TERMS & CONDITIONS

PremiumPolicyRates.com

Effective Date: November 20, 2025
Last Updated: November 20, 2025

Welcome to PremiumPolicyRates.com! These Terms & Conditions (“Terms”) govern your access to and use of our website https://premiumpolicyrates.com (the “Site”).

Please read these Terms carefully before using our Site. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Site.

1. Acceptance of Terms

By accessing and using PremiumPolicyRates.com, you accept and agree to be bound by the terms and provisions of this agreement. Additionally, when using particular services on this Site, you shall be subject to any posted guidelines or rules applicable to such services.

2. Definitions

  • “Site” refers to PremiumPolicyRates.com and all associated pages, content, and services
  • “We,” “Us,” “Our” refers to PremiumPolicyRates.com and its operators
  • “You,” “Your,” “User” refers to any individual or entity accessing or using the Site
  • “Content” refers to all text, images, graphics, videos, audio, code, and other materials available on the Site
  • “Services” refers to all features, tools, and functionalities provided by the Site

3. Use of the Site

3.1 Eligibility

You must be at least 18 years old to use this Site. By using the Site, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into these Terms.

3.2 License to Use

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for personal, non-commercial purposes.

3.3 Prohibited Uses

You agree NOT to:

❌ Use the Site for any illegal purpose or in violation of any local, state, national, or international law

❌ Violate or infringe upon the intellectual property rights of others

❌ Transmit any viruses, malware, or other harmful code

❌ Attempt to gain unauthorized access to any portion of the Site or any other systems or networks

❌ Use any automated system (bots, scrapers, spiders) to access the Site without our express written permission

❌ Harass, abuse, or harm other users

❌ Impersonate any person or entity or falsely state or misrepresent your affiliation with any person or entity

❌ Interfere with or disrupt the Site or servers or networks connected to the Site

❌ Collect or store personal data about other users without their consent

❌ Use the Site to send spam, chain letters, or other unsolicited communications

4. Intellectual Property Rights

4.1 Ownership

All content on the Site, including but not limited to:

  • Text, articles, blog posts
  • Graphics, logos, images, photographs
  • Videos, audio files
  • Software, code, databases
  • Trademarks, service marks, trade names

…is the property of PremiumPolicyRates.com or its content suppliers and is protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

4.2 Limited Use

You may:

  • View and print pages from the Site for personal, non-commercial use
  • Share links to our content on social media
  • Quote brief excerpts with proper attribution

You may NOT:

  • Reproduce, duplicate, copy, sell, resell, or exploit any portion of the Site without our express written permission
  • Modify, create derivative works, reverse engineer, or disassemble any content
  • Remove copyright, trademark, or other proprietary notices

5. User-Generated Content

5.1 Your Content

If you submit, post, or share any content on our Site (comments, reviews, forum posts, etc.), you:

  • Retain ownership of your content
  • Grant us a worldwide, non-exclusive, royalty-free, perpetual, irrevocable license to use, reproduce, modify, publish, distribute, and display your content
  • Represent and warrant that you own or have the necessary rights to submit the content
  • Represent that your content does not violate any third-party rights or applicable laws

5.2 Content Standards

Any content you submit must:

✅ Be accurate and truthful (to the best of your knowledge)

✅ Comply with applicable laws and regulations

✅ Not contain defamatory, obscene, offensive, or hateful material

✅ Not infringe on any intellectual property rights

✅ Not contain viruses or malicious code

✅ Not advertise or promote products/services without permission

We reserve the right to remove any content that violates these standards or these Terms.

6. Third-Party Links and Services

Our Site may contain links to third-party websites, services, or resources that are not owned or controlled by PremiumPolicyRates.com.

We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.

Examples include:

  • Insurance companies we review or compare
  • Affiliate partners
  • External resources and references
  • Social media platforms

You acknowledge and agree that we shall not be responsible or liable for any damage or loss caused by your use of any third-party websites or services.

7. Insurance Information Disclaimer

IMPORTANT: PremiumPolicyRates.com is an informational website. We are NOT an insurance company, insurance agent, or insurance broker.

7.1 No Professional Advice

The information on our Site is for general informational purposes only and should not be considered:

  • Professional insurance advice
  • Legal advice
  • Financial advice
  • Tax advice

Always consult with a licensed insurance professional, attorney, or financial advisor before making any insurance decisions.

7.2 No Guarantees

We do not guarantee:

  • Accuracy of rates, quotes, or information
  • Availability of specific insurance products
  • Approval for insurance coverage
  • Specific savings or benefits

Insurance rates, coverage, and availability vary by:

  • Location
  • Individual circumstances
  • Insurance company policies
  • Market conditions

7.3 Quote Comparisons

When we provide insurance quote comparisons or estimates:

  • These are for illustrative purposes only
  • Actual rates may differ
  • You must contact insurance companies directly for official quotes
  • We are not responsible for discrepancies between our estimates and actual quotes

8. Affiliate Relationships and Compensation

PremiumPolicyRates.com participates in affiliate marketing programs and may receive compensation when you:

  • Click on affiliate links
  • Purchase insurance through our referral links
  • Use services from companies we partner with

Our affiliate relationships do NOT:

  • Influence our editorial content
  • Affect our honest reviews and comparisons
  • Compromise our commitment to providing accurate information

See our full Affiliate Disclosure page for more details.

9. Disclaimer of Warranties

THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

We disclaim all warranties, including but not limited to:

  • Implied warranties of merchantability
  • Fitness for a particular purpose
  • Non-infringement
  • Accuracy, reliability, or completeness of content
  • Uninterrupted or error-free operation
  • Security of data transmission

We do not warrant that:

  • The Site will meet your requirements
  • The Site will be available at all times
  • Any errors will be corrected
  • The Site is free from viruses or harmful components

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL PREMIUMPOLICYRATES.COM, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY:

  • Indirect, incidental, special, consequential, or punitive damages
  • Loss of profits, revenue, data, or business opportunities
  • Personal injury or property damage
  • Costs of procurement of substitute goods or services

…arising out of or in connection with your use of the Site, whether based on warranty, contract, tort (including negligence), or any other legal theory.

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING FROM YOUR USE OF THE SITE SHALL NOT EXCEED $100 (ONE HUNDRED DOLLARS).

11. Indemnification

You agree to indemnify, defend, and hold harmless PremiumPolicyRates.com and its officers, directors, employees, and agents from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including attorney’s fees) arising from:

  • Your use of the Site
  • Your violation of these Terms
  • Your violation of any third-party rights
  • Any content you submit or share on the Site
  • Your violation of any applicable laws

12. Privacy Policy

Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

13. Modifications to the Site and Terms

13.1 Site Modifications

We reserve the right to:

  • Modify, suspend, or discontinue any part of the Site at any time
  • Change pricing, features, or availability of services
  • Remove or modify content without notice

We are not liable to you or any third party for any modification, suspension, or discontinuance of the Site.

13.2 Terms Modifications

We may update these Terms from time to time. When we do, we will:

  • Post the updated Terms on this page
  • Update the “Last Updated” date
  • Notify you via email or prominent notice (for material changes)

Your continued use of the Site after changes are posted constitutes your acceptance of the modified Terms.

14. Termination

14.1 Termination by Us

We reserve the right to terminate or suspend your access to the Site immediately, without prior notice or liability, for any reason, including but not limited to:

  • Violation of these Terms
  • Fraudulent, abusive, or illegal activity
  • At our sole discretion

14.2 Termination by You

You may stop using the Site at any time. If you have an account, you may request deletion by contacting us.

14.3 Effect of Termination

Upon termination:

  • Your right to use the Site will immediately cease
  • We may delete your account and content
  • Provisions that should survive termination will remain in effect

15. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of [Your State/Country], without regard to its conflict of law provisions.

Any legal action or proceeding arising under these Terms will be brought exclusively in the courts located in [Your County/State], and you consent to personal jurisdiction in such courts.

16. Dispute Resolution

16.1 Informal Resolution

If you have any dispute with us, you agree to first contact us at [legal@premiumpolicyrates.com] and attempt to resolve the dispute informally.

16.2 Arbitration Agreement

If we cannot resolve the dispute informally, you agree that any dispute arising from or relating to these Terms or the Site shall be resolved through binding arbitration, rather than in court, except that:

  • You may assert claims in small claims court if they qualify
  • Either party may seek equitable relief in court to prevent infringement of intellectual property rights

The arbitration will be conducted by the American Arbitration Association (AAA) under its rules.

16.3 Class Action Waiver

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

17. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.

18. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published by us on the Site, constitute the entire agreement between you and PremiumPolicyRates.com concerning your use of the Site.

19. Contact Information

If you have any questions about these Terms & Conditions, please contact us:

PremiumPolicyRates.com